Search found 812 matches

by bayview
Wed Jul 20, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8581

Re: Boss cutting salary in response to employee not doing "job"

...She plans on quitting next time her boss is overseas (her boss is in the US now, which makes it even worse)... :shock: :shock: :shock: Regardless of the merits of her complaints against her boss, quitting like that, in my opinion, would show a complete lack of class. +1,000 In the South, we call...
by bayview
Tue Jul 19, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 36
Views: 1945

Re: Kitchen Faucet & Sink recommendations?

We installed a Kraus 36 inch single bowl apron front sink last year during our kitchen gut job, and I want to hug it every time I walk by: https://www.amazon.com/gp/product/B003XI5FL0/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 It's large enough to wash a grandchild, if ever we have one, or faili...
by bayview
Fri Jul 15, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3155

Re: Raising a reader

The main thing we did is to read to them every night before bed. You can start now with simpler books and then work your way up. My renditions of Hop on Pop and Green Eggs and Ham were highly regarded back in their day. +1 Oh, Lordy, how many times did I read Fox in Socks... "AND... "When...
by bayview
Fri Jul 15, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]
Replies: 8
Views: 753

Re: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]

I switched from VTIBX to VFSVX, Vanguard FTSE All-World ex-US Small Cap Index Fund Investor Shares (whew.) My reasoning was that there seemed to be an awful lot of similarities between total US and total international, but less so with the small cap international fund. It's more expensive, but still...
by bayview
Fri Jul 15, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3155

Re: Raising a reader

Turn off the TV. Read books with him in your lap, so that reading equates to love and comfort and security. Tell stories, long, fanciful stories, and leave them at a cliff-hanger point (end of chapter.) That's how a lot of the classic children's books originated. As he gets older, read him stories t...
by bayview
Fri Jul 08, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4385

Re: Can we start another forum section?

I read from the main page and hardly ever visit individual forums. All sorts of questions are only relevant to people in specific groups. There would be hundreds of forums if each only catered to a specific situation. The best thing for posters to do is to provide as much relevant info as possible....
by bayview
Wed Jul 06, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 8556

Re: Can I afford a million dollar house?

Female here, votes for Debbie Downer as non-sexist, clear cultural reference, amusing and appropriate. +1 I also went back to read where it was first used as I didn't recall reading it. After reading WCI's post again, yeah I had read that and it didn't sound like him, but it's not offensive, in my ...
by bayview
Wed Jul 06, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2810

Re: What do I need to know about billing before a medical procedure?

Keep asking. Keep smiling, but keep asking. And yes, you absolutely do want to check out the anesthesiologist, and also any nurse anesthetist who might be working (= actually providing anesthesia) under the anesthesiologist's supervision. Would they generally know who all the professionals will be ...
by bayview
Tue Jul 05, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2810

Re: What do I need to know about billing before a medical procedure?

I read this thread with a lot of interest as we have a medical procedure in the family coming up. It is expected to be outpatient in a hospital. The other thread veered off topic and got locked - I'm hoping to keep this very actionable. What do I need to do beforehand to avoid surprise bills? Speak...
by bayview
Tue Jul 05, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Just found out I have a TSP
Replies: 22
Views: 2027

Re: Just found out I have a TSP

I'd keep the TSP, 100% in the G fund. Take some of the burden off the crappy 401k bond funds. Also, they are supposedly working on making the withdrawal options more flexible, as they are apparently getting alarmed at the number of participants pulling everything out when they retire. Depending on h...
by bayview
Tue Jul 05, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 8556

Re: Can I afford a million dollar house?

OP, here's my take: You can probably afford the house, if you don't have any disastrous surprises occur. (I sure couldn't handle the pucker factor, though.) Note: as a homeowner, I can tell you that you will have disastrous surprises... But consider this very possible scenario: We have another 2007-...
by bayview
Tue Jul 05, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Social security loss if retiring early
Replies: 28
Views: 2420

Re: Social security loss if retiring early

A note of caution re the estimator. And if I'm wrong, I will cheerfully appreciate being told so... The estimator assumes that you are going to continue working to the various projected ages, earning the same amount that you are now. If you are going to cut back your hours (and pay), or retire comp...
by bayview
Tue Jul 05, 2016 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Social security loss if retiring early
Replies: 28
Views: 2420

Re: Social security loss if retiring early

A note of caution re the estimator. And if I'm wrong, I will cheerfully appreciate being told so... The estimator assumes that you are going to continue working to the various projected ages, earning the same amount that you are now. If you are going to cut back your hours (and pay), or retire compl...
by bayview
Tue Jul 05, 2016 5:43 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155073

Re: What are you up YTD? [Year To Date]

My 90/10 three fund is only up 2.88 and I'm feeling kinda bummed reading about everybody elses Don't forget that people measure and report using forty-'leven or so different methods. One day I will break out our liability-matching and risk portfolios on the Return Spreadsheet for Bogleheads https:/...
by bayview
Sat Jul 02, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend an Independent Financial Advisor, please? [fee-only]
Replies: 24
Views: 1861

Re: Recommend an Independent Financial Advisor, please? [fee-only]

http://www.garrettplanningnetwork.com/

I'm sure that there are a few duds in the bunch, but it is perhaps a place to start. We are very happy with ours.
by bayview
Sat Jul 02, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Refinancing Home to buy Stocks. Confusion
Replies: 62
Views: 4013

Re: Refinancing Home to buy Stocks. Confusion

If I were in your enviable position, I'd skip the refi and invest the equivalent of the mortgage payment monthly, DCA'ing in. I'd get pretty twitchy about taking on debt and plunking that amount in all at once, hoping that stock values aren't at a peak for a while.
by bayview
Wed Jun 29, 2016 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Opening new VG Roth IRA - brokerage acct only option?
Replies: 4
Views: 401

Re: Opening new VG Roth IRA - brokerage acct only option?

In case anyone else stumbles across this thread while searching :D, here's the update: After trying for several days, thinking perhaps that overnight magic was required, we called Vanguard just now. The answer: all new VG accounts are created as brokerage (new-platform) accounts, and yes, you cannot...
by bayview
Sun Jun 26, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Opening new VG Roth IRA - brokerage acct only option?
Replies: 4
Views: 401

Re: Opening new VG Roth IRA - brokerage acct only option?

Thanks! But something isn't working right. When he tries to exchange from a fund in his traditional VG IRA to the Roth brokerage IRA, he gets this: "Roth conversions are not eligible for cross platform transactions." Does that mean that his trad IRA will have to convert to a brokerage IRA ...
by bayview
Sat Jun 25, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Opening new VG Roth IRA - brokerage acct only option?
Replies: 4
Views: 401

Opening new VG Roth IRA - brokerage acct only option?

Hi all, DH is trying to open a Roth IRA at Vanguard so that he can start converting his VG trad IRA before RMD's begin. (He has had a Roth IRA in the past, and we have the start date.) There doesn't seem to be an option to open it as a mutual fund account; only as a brokerage account. I once had som...
by bayview
Fri Jun 24, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Total International] ETF currently down 7.09% - Time to sell?
Replies: 39
Views: 4049

Re: [Vanguard Total International] ETF currently down 7.09% - Time to sell?

Why on earth would anyone want to sell when the value of their owed item, whether VTIAX or a 2002 Honda Accord or a signed copy of "Abbey Road", had suddenly dropped? I understand the fear of "riding it down" until it's completely dead, but that's pretty unlikely for an index fun...
by bayview
Fri Jun 24, 2016 5:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682084

Re: U.S. stocks in freefall

, as the stock funds are so undervalued. No, they are just valued - whether it is under or over is unknown now. Fair enough; I agree that we don't know what the future holds. If the market wants to run around and act like crazy people, I have no compunction about taking advantage of this. The marke...
by bayview
Fri Jun 24, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682084

Re: U.S. stocks in freefall

Here is the data, From 1928 after 3% drop, performance next day and next week. Note that big Monday drops occur at double the frequency of big Tues-Fri drops. Makes sense since it has two extra day in which unexpected risks can occur. And more time for investors to read the financial noise and get ...
by bayview
Fri Jun 24, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10435

Re: International stocks in free fall

question: since i bought VTIAX. What rate do i get? The rate at the time i buy, or the rate at the end of the day, or some other rate/time? thanks. You will get the net asset value at market close today. It's not the rate, it's the price, and that which shows at the end of the day, as saltycaper wr...
by bayview
Fri Jun 24, 2016 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 682084

Re: U.S. stocks in freefall

Holy cannoli, I have never seen percentage drops like that! :shock: Excellent time to get DH's trad IRA's switched to Roths, as the stock funds are so undervalued. :beer He is facing RMDs in four years, and we missed the boat during the Recent Unpleasantness. If the market wants to run around and ac...
by bayview
Fri Jun 24, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 4721

Re: Dog attacked by another dog

Thanks all for the feedback and concern. Just got back from the vet. No signs of broken bones or torn ligaments. Hopefully it is just a sprained/strained knee. :sharebeer A week of rest is Dr's orders... Great news! :beer I was going to post that the absence of blood or open bite wounds doesn't mea...
by bayview
Fri Jun 24, 2016 5:16 am
Forum: Personal Finance (Not Investing)
Topic: New Bank Account for Rental?
Replies: 10
Views: 929

Re: New Bank Account for Rental?

Our state requires a separate account for the deposit, so we did that. Added a separate account for depositing rent checks and paying for stuff. (There is a lot of this for a rental.) We went over our coverages with USAA and just went with the rental policy (covering the landlord, not the tenant), b...
by bayview
Thu Jun 23, 2016 6:14 am
Forum: Investing - Help with Personal Investments
Topic: helping my uncle
Replies: 14
Views: 1688

Re: helping my uncle

With savings in the mid-seven figures, he should definitely considering postponing SS. He certainly will have enough to live on during the bridge years. Depending on what his pre-SS retirement income and tax bracket look like, he might want to do some conversions of any traditional IRA type funds to...
by bayview
Wed Jun 22, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2210

Re: Crickets chirping at night

... OP - you need a predator for your crickets. Google says many creatures eat crickets - and would possibly solve your problem - including spiders, tarantulas, birds, snakes (before you use snakes, be sure to ask LadyGeek first), iguanas, frogs, rodents such as rats and mice, and bearded dragons. ...
by bayview
Wed Jun 22, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ready-to-eat Costco meals?
Replies: 28
Views: 3124

Recommendations for ready-to-eat Costco meals?

Sooo, my life has gone seriously weird the last few days, and I'm appealing for help. DH returns home from a trip tomorrow (yes, Thursday) evening. Daughter asked two days ago if she could bring Serious Boyfriend to dinner (hmmm.) I've had to work late every day this week, and I still have house-cle...
by bayview
Sat Jun 18, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28792

Re: Liking the new Citi CC at Costco

We received ours a week or so ago. I was utterly flabbergasted that Citi has kept (so far) the 5-digit credit limit that was on the Amex version. I thought for sure that they'd knock it way down, and we don't actually use it that much. We will in the future though, due to the better rewards. This wi...
by bayview
Sat Jun 18, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony bank upgrade
Replies: 32
Views: 3560

Re: Synchrony bank upgrade

Having the same problem can not access my account unless I change my password. When I go to change my password it says having difficulties try another time or call support. Third time trying to setup the new password. Great way to do an "upgrade". This happened to me Monday evening. If I'...
by bayview
Sat Jun 18, 2016 8:12 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 42
Views: 3736

Re: New Board Index Topic - Retirement Planning

As someone who has administrated/moderated large forums before, I can say from years of experience that sub-forums and additional forums do not aid with overall usability. In fact, they tend to clutter the board as a whole and threads die in smaller forums where they'd otherwise be active. I think ...
by bayview
Fri Jun 17, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: To paint our wood trim or not?
Replies: 82
Views: 4344

Re: To paint our wood trim or not?

We have a 1923 Craftsman with very detailed interior wood trim that someone painted long ago. I wish we could afford to have it stripped and restored to the original wood finish. If your wood trim is some variant on builder grade clamshell, then paint away. But if you ever get an historic home (I re...
by bayview
Fri Jun 17, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Southwest Airlines - Rebooking
Replies: 11
Views: 826

Re: Southwest Airlines - Rebooking

My husband found that you can't (or shouldn't) rebook part of a round trip. A family member is ill, and he had to change his departure date several times. When he called, they did it all for him. We happily drive an hour and a quarter, passing the local airport, to fly Southwest, and this is one of ...
by bayview
Fri Jun 17, 2016 5:32 am
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 2508

Re: Recommendation for Refrigerator

Toons wrote:Samsung Refrigerators :happy


We have Samsung for everything else (other than Bosch dishwasher), but we have an LG French door fridge and love it. Has worked like a champ for two years so far.
by bayview
Wed Jun 08, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155073

Re: What are you up YTD? [Year To Date]

Trailing portfolio return (time-weighted return, comparable return) Portfolio return as of 5/31/16 1 month 0.50% 3 months 3.75% 6 months 1.15% YTD 2.10% 1 year -0.36% 3 years* 3.98% * Annual compound return 37/63 for two separate portfolios (liability-matching and risk portfolios), all fixed income ...
by bayview
Mon Jun 06, 2016 5:30 am
Forum: Personal Consumer Issues
Topic: Vehicle for tall person and rear-facing child car seat?
Replies: 22
Views: 1330

Re: Vehicle for tall person and rear-facing child car seat?

We had an older model Honda CR-V (2003), and the headroom was decent and the back seat legroom was the best I've ever seen. On the downside, the front seat didn't go super far back, though that may have changed, and could be modified aftermarket. I don't think I'd want to modify this. I want a seat...
by bayview
Mon Jun 06, 2016 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Store Card
Replies: 68
Views: 7328

Re: Amazon.com Store Card

Never noticed this Amazon Store credit card... We were using the regular Amazon Rewards credit card, but 5% is better than 3% for sure. My wife and I just applied, as we're heavy Amazon Prime customers. Thank you for opening this thread. I was a bit surprised by the low credit limit we got though (...
by bayview
Sun Jun 05, 2016 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Store Card
Replies: 68
Views: 7328

Re: Amazon.com Store Card

Try calling a slightly different toll free number.............I believe it is 1 higher than the number on the card which ends in 79? If so, then try the same number but ending in 80 instead. I think that (usually) gets you to reps in the US where at least you won't have a language barrier. I've fou...
by bayview
Sat Jun 04, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 41
Views: 3459

Re: Proper Protocol to Handle Fender Bender

I hit a parked car and just left my insurance info and phone number on the windshield. They called me and my insurance covered their rental car and repairs. Ironically my car had no damage at all. No police involvement. If someone else was at fault, though, and I was present I would want a police r...
by bayview
Sat Jun 04, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Store Card
Replies: 68
Views: 7328

Re: Amazon.com Store Card

I've had it for nearly a year and mostly like it, except: --periodically I can't pay online from my Mac using Firefox; Safari payments vanish (finally got the Windows laptop working again, so I have backup) --after accidentally ordering a Kindle book, I immediately cancelled but wound up having to c...
by bayview
Sat Jun 04, 2016 11:03 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 2425

Re: Staying Logged In

I just found this thread, and I wanted to add that my Mac logs me off, but my Windows laptop remembers me. Same IP address, both using Firefox. This started about three months ago. Baffling. Not that big a deal, but baffling. Interesting comment by Mike Piper. I'll avoid visiting Bogleheads on my ph...
by bayview
Mon May 30, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 6478

Re: Private school? Any regrets?

We did public schools through 5th grade, then switched to private (a truly rigorous college prep school, with the requisite number of rich partier kids to keep it afloat financially.) No regrets; I had worked in the local middle and high schools and knew what was coming in terms of the negative peer...
by bayview
Sat May 28, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 4891

Re: Traveling through Albuquerque - safe to stop?

Wonder how much of that crime involves the victim knowing the assailant (domestic violence, drunken quarrels, drug deals gone wrong, etc.) They need a sub-category for "crimes against out-of-state tourists who pulled over to look at stars." :D I hope you enjoy your trip, including your sta...
by bayview
Wed May 25, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: FICO Score - Can You Explain This
Replies: 25
Views: 3016

Re: FICO Score - Can You Explain This

Aren't true "FICO" scores proprietary and only available from FICO for a fee? FICO has entered into free score arrangements with several credit card issuers, as well as other financial institutions. I've gotten a free Experian II score (the Experian version used for mortgage pulls) from P...
by bayview
Tue May 24, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 2079

Re: be my mother in law's financial advisor...or not?

She came to me 8 years ago, a few years after her husband passed away. She wanted to know which direction to go with her investments... I talked with my spouse many times about this. We decided to recommend a financial advisor, actually a friend of ours... Did she come back to you again for further...
by bayview
Mon May 23, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on new mortgage
Replies: 8
Views: 842

Re: Advice on new mortgage

Congrats on the new spouse! :sharebeer
by bayview
Mon May 23, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: FICO Score - Can You Explain This
Replies: 25
Views: 3016

Re: FICO Score - Can You Explain This

I have two credit cards that offer free FICO scores, one is an American Express & one is a MasterCard. The FICO score is 27 points different. Since I look at them right after each other, should they be the same? Sources of variation: (1) Scores were pulled at different times, and balances diffe...
by bayview
Mon May 23, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2586

Re: Still double checking bank checkbook math?

I reconcile my checkbook, generally once a week, but always on payday (every other week.) Meaning that I find where I added instead of subtracting, and vice versa, and the pesky ATM withdrawals that I forgot to note. Sometimes there's supposed to be a credit back to my account, and I keep an eye on ...
by bayview
Fri May 13, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5341

Re: The 10 Best States to Grow Old in

protagonist wrote:Lists of "The X best whatevers" are, IMHO, the pinnacle of sloppy journalism...

Per my son, these are called "listicles." He used to get a halfway decent check writing them, but his were humor. (Not safe for grandmother humor.) :D

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